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**This house comes with a REDUCED RATE through the seller's preferred lender. This is a lender-paid rate buydown that reduces the buyer's interest rate and monthly payment. **Welcome to 247 Toms Rd – A Cozy Retreat in the Heart of DeBary. Tucked away on a peaceful, 0. 30-acre lot with no HOA, this charming 3-bedroom, 2-bathroom home is full of warmth, character, and quiet comfort. As you drive up the paved driveway, you're greeted by the home's welcoming presence—wood-toned pillars on the covered entry and matching faux wood shutters, all surrounded by subtle, thoughtfully maintained landscaping that sets a peaceful tone. Step inside and you'll find a galley-style living and kitchen area, enhanced by a vaulted ceiling and durable laminate flooring throughout. The layout is cozy yet open, with a kitchen pass-through window connecting the spaces and inviting conversation. The kitchen itself is light and bright, featuring white cabinetry, stone countertops, stainless steel appliances, and a sliding glass door that opens up to views of the private, grassy backyard. Just off the kitchen, you'll find a unique bonus—an in-law suite, complete with its own ensuite bathroom, built-in closet, and private exterior access to the side yard. It’s perfect for guests, extended family, or even a private workspace. The home’s split-bedroom layout provides privacy for the primary suite, located on the opposite side. This tranquil retreat features a large built-in closet and an ensuite bath with floor-to-ceiling tiled shower and crisp white vanity. The third bedroom, also with a built-in closet, is served by a stylish third bathroom just outside the door, complete with a tub/shower combo, vessel sink, and stone countertops that echo the kitchen’s elegant finishes. Step out back to discover a paved patio area and an inviting grassy backyard framed by mature trees and natural vegetation that offer both beauty and privacy. It’s a blank canvas waiting for your personal touch—whether it’s a garden, a firepit, or space for pets and play. 247 Toms Rd is more than just a house—it’s a place where memories are made, and life feels just a little bit quieter, warmer, and more connected.
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Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $239,999 | $239,999 | $239,999 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.250% | 5.875% | 5.125% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.112% | 6.520% | 5.415% |
| Monthly Tax Payment | $225 | $225 | $225 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,325 | $1,420 | $1,914 |
| Total Monthly Payment | $1,624 | $1,719 | $2,213 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.